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中国的团体保险凭借自身优势,是实现员工福利计划的主要手段及社会保障体系的重要组成部分,因而有着相当的市场发展空间。目前由于政府的鼓励政策不明朗、监管力度不足、企业投资意识不强以及保险公司自身缺陷等因素阻碍了团险业务的发展,需要各相关主体采取有效对策予以改善.
China’s group insurance, by virtue of its own advantages, is an important means of realizing the employee benefits plan and an important part of the social security system, and thus has considerable space for market development. At present, due to the government’s unclear encouragement policies, lack of supervision, weak investment awareness of enterprises and the defects of insurance companies, the development of group business is hindered. Various relevant parties are required to take effective measures to be improved.